For first-time buyers

The property report built for first-time buyers

Don't walk into your first purchase without checking what could cost you £5,000+ after exchange.

Your conveyancer checks the legal title. Your surveyor checks the building. But neither of them tells you whether the EPC will fail your green mortgage, whether the postcode crime trend is rising, or whether the local council tax band is about to be re-evaluated. We do.

Search an address

What first-time buyers actually need to check

The six risks that matter most for your purchase, all flagged in the report before you make an offer.

Stamp Duty relief check

We calculate SDLT three ways (standard, BTL surcharge, and first-time buyer relief) so you know exactly what relief you qualify for and how much you'll save.

Mortgage affordability sanity check

EPC band tells you which green-mortgage products you qualify for. We flag the band, energy costs, and improvement options that could unlock a better rate.

Hidden costs of the property

Council tax band annual charge, energy running costs, any leasehold ground rent or service charge implications, surfaced before you offer.

Crime and neighbourhood profile

Police UK monthly data with a six-month trend. Outstanding-rated schools nearby (helpful if you ever rent or sell to a family).

Flood, planning and environment

Long-term flood risk + live warnings. Recent planning applications within 500m. Conservation area, National Park or Listed Building implications.

Plain-English analyst summary

Every section gets an AI-generated takeaway grounded in the actual numbers, so you don't have to interpret raw data yourself.

The report sections that matter most for you

Same report. Ordered by what matters to your decision.

  1. 1

    Stamp Duty Land Tax (with FTB relief)

    Calculated for your property's price across all three buyer scenarios. Most first-time buyers overpay because they don't check the £625,000 threshold.

  2. 2

    Energy (EPC) + running costs

    EPC band C unlocks cheaper green mortgage rates. We show your current band, potential band, annual cost, and the cheapest improvements.

  3. 3

    Mortgage affordability context

    Resident earnings (ONS ASHE) and local £/sqft tell you whether you're stretching for the area or buying within it.

  4. 4

    Schools (Ofsted)

    Even if you don't have kids, school ratings drive resale value. Outstanding schools nearby = stronger long-term capital growth.

  5. 5

    Crime + neighbourhood trend

    Police UK data with a six-month trend. A stable medium-crime area beats a rising low-crime one for long-term decisions.

  6. 6

    Flood risk + insurance impact

    Flood-Re-affected properties (high or medium risk) cost more to insure for 25+ years. Check before you fall for the photos.

Recommended for you

Standard report · £9.99

The Standard report covers everything a first-time buyer needs to make an offer with confidence. Upgrade to Premium (£24.99) if the property is leasehold, you'll want the Title Register pull and lease-extension cost analysis.

Get a report for your address

All three tiers buyable. Premium adds ownership + planning depth. Investor adds full financial modelling.

Common questions

Do I qualify for first-time buyer stamp duty relief?
If you and any joint buyers have never owned a property anywhere in the world, and the purchase price is £625,000 or less, yes. The report shows your exact SDLT with relief applied so you can verify the saving.
I haven't found a property yet, can I still get a report?
Yes. Order reports on the addresses you're shortlisting. Many first-time buyers run reports on three or four properties before offering, and the £9.99 cost is small versus the time saved on viewings you would otherwise pay full attention to.
Does the report replace a HomeBuyer Report or survey?
No. We're complementary. A RICS HomeBuyer Report (Level 2, ~£500) checks the building's physical condition. We check everything outside that envelope: title, planning, flood, crime, schools, energy, mortgage signals. Use both.
Will the report help with my mortgage application?
It won't replace a mortgage valuation, but it will help you go into the application aware of factors that affect affordability: EPC band, council tax band, and any leasehold implications.
What if I'm using a shared ownership scheme?
The report still works. It analyses the underlying property, not the ownership structure. We separately flag any unusual title arrangements in the Title & Ownership section (Premium tier).
Can I expense the report against my conveyancing budget?
Most conveyancers will accept the report as part of your pre-exchange due diligence file. Keep the PDF, it's a record of what you knew when you made the decision.